Despite financial advisors recommending she wait until 70 to receive an 8% annual delayed retirement credit, the 66-year-old woman chose to claim her U.S. Social Security benefits early. This decision means she will face penalties for early application but will receive approximately $107,500 in benefits before age 70, prioritizing travel while her health allows. According to calculations, the higher benefits from delayed claiming would only equalize the total amount received from early claiming around age 82.